DACA Florida FHA Mortgage Lenders- DACA FL FHA Home Loans
DACA Florida FHA Mortgage Lenders to Permit DACA Status Recipients to Apply for FHA Insured Mortgages
Effective January 19, 2021, the DACA Florida FHA Mortgage Lenders via the Federal Housing Administration (FHA) is permitting
individuals classified under the “Deferred Action for Childhood Arrivals” program (DACA) with the U.S. Citizenship & Immigration
Service (USCIS) and are legally permitted to work in the U.S. are eligible to apply for mortgages backed by the FHA.
Prior to today’s announcement, the FDACA Florida FHA Mortgage Lenders Single Family Housing Handbook (“Handbook
4000.1 Section II.A.1.b.ii(A)(9)(c) includes this statement: “Non-US citizens without
lawful residency in the U.S. are not eligible for DACA Florida FHA Mortgage Lenders.” This language was incorporated
into the FHA Handbook by the Obama Administration in September 2015 although it was first incorporated into FHA guidelines in 2003.
The term “lawful residency” pre-dates DACA Florida FHA Mortgage Lenders and thus did not anticipate a situation in which
a Florida DACA FHA Mortgage applicant might not have entered the country legally, but nevertheless be considered
lawfully present. To avoid confusion and provide needed clarity to DACA Florida FHA Mortgage Lenders,
FHA is waiving the above referenced FHA Handbook subsection in its entirety. In a subsequent update to the FHA Handbook the language will be removed.
Other DACA Florida FHA Mortgage Lenders requirements remain in effect for all potential DACA Florida FHA Mortgage applicants including DACA status
• the property will be the borrower’s DACA Florida principal residence;
• the DACA Florida mortgage applicant has a valid Social Security Number (SSN), except for those employed
by the World Bank, a foreign embassy, or equivalent employer identified by HUD;
• the DACA Florida FHA mortgage applicant is eligible to work in the U.S., as evidenced by the Employment
Authorization Document issued by the USCIS; and
• the DACA Florida FHA mortgage applicant satisfies the same requirements, terms, and conditions as those for
SAME DAY APRPOVALS! CALL NOW 954-667-9110
DACA FLORIDA FHA MORTGAGE LOANS HAVE MINIMAL DOWNPAYMENT AND CLOSING FEES:
- Down payment only 3.5% of the purchase price.
- Gifts from family or Grants for down payment assistance and closing costs OK!
- Seller can credit buyers up to 6% of sales price towards buyers costs.
- No reserves or future payments in account required.
- FHA regulated closing costs.
DACA FLORIDA FHA MORTGAGE LOANS ARE EASY TO QUALIFY FOR BECAUSE YOU CAN:
- Purchase a Florida home 12 months after a chapter 13 Bankruptcy
- Purchase a Florida 24 months after a chapter 7 Bankruptcy.
- FHA will allow a FHA mortgage 3 years after a Foreclosure.
- Minimum FICO credit score of 580 required for 96.5% financing.
- Bad credit Florida FHA mortgage approvals minimum FICO credit score of 530 required for 90 FHA financing.
- No Credit Score Florida mortgage loans & No Trade Line Florida FHA home loans.
DACA FLORIDA FHA MORTGAGE LENDERS ALLOW HIGHER DEBT TO INCOME & EASIER JOB QUALIFYING
- FHA allows higher debt ratio's than any other Florida home loan programs.
- Less than two years on the same job is OK!
- Self-employed buyers can also qualify for FHA.
- Check Florida FHA Mortgage Articles for more information.
The Employment Authorization Document is required to substantiate work stat us. If the
Employment Authorization Document will expire within one year and a prior history of
residency status renewals exists, the lender may assume that continuation will be granted.
If there are no prior renewals, the lender must determine the likelihood of renewal based on
information from the USCIS.
A borrower residing in the U.S. by virtue of refugee or asylee status granted by the USCIS
is automatically eligible to work in this country. The Employment Authorization Document is
not required, but documentation substantiating the refugee or asylee status must be
A borrower with lawful permanent resident alien status may be eligible provided the borrower satisfies the same requirements, terms and conditions as those for U.S. citizens. The file must include evidence of the permanent residency and indicate that the borrower is a lawful permanent resident alien on the Uniform Residential Loan Application (URLA). The U.S. Citizenship and Immigration Services (USCIS) within the Department of Homeland Security provides evidence of lawful, permanent residency status.
A borrower who is a non-permanent resident alien may be eligible provided:
• the property will be the borrower’s principal residence;
• the borrower has a valid Social Security Number (SSN), except for those employed by the World Bank, a foreign embassy, or equivalent employer identified by HUD;
• the borrower is eligible to work in the U.S., as evidenced by the Employment Authorization Document issued by the USCIS; and
• the borrower satisfies the same requirements, terms and conditions as those for U.S. citizens.
The Employment Authorization Document is required to substantiate work status. If the Employment Authorization Document will expire within one year and a prior history of residency status renewals exists, the lender may assume that continuation will be granted. If there are no prior renewals, the lender must determine the likelihood of renewal based on information from the USCIS.
A borrower residing in the U.S. by virtue of refugee or asylee status granted by the USCIS is automatically eligible to work in this country. The Employment Authorization Document is not required, but documentation substantiating the refugee or asylee status must be obtained.
For additional information see Handbook 4000.1 II.A.1.b.ii(A)(8)-(9) available at https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh
Consideration of Deferred Action for Childhood Arrivals (DACA)
Consideration of Deferred Action for Childhood Arrivals (DACA)
This page provides information on requesting consideration of deferred action for childhood arrivals (DACA). You may request DACA for the first time or renew your existing period of DACA if it is expiring.
Find on this Page:
- Filing Process
- Fee Exemptions
- Travel Information
- National Security and Public Safety Guidelines
- Don’t Be a Victim of Immigration Scams
- Previous DACA Updates
What Is DACA
On June 15, 2012, the Secretary of Homeland Security announced that certain people who came to the United States as children and meet several guidelines may request consideration of deferred action for a period of two years, subject to renewal. They are also eligible for work authorization. Deferred action is a use of prosecutorial discretion to defer removal action against an individual for a certain period of time. Deferred action does not provide lawful status.
Watch a Video on DACA
Watch a Video on DACA on USCIS YouTube Channel
The following information explains the guidelines for requesting DACA for the first time. If you need further information and cannot find it in our Frequently Asked Questions, you can call the USCIS Contact Center at 800-375-5283. For people who are deaf, hard of hearing, or have a speech disability: TTY 800-767-1833. Representatives are available Monday-Friday from 8 a.m. to 6 p.m. in each U.S. time zone.
You may request DACA if you:
- Were under the age of 31 as of June 15, 2012;
- Came to the United States before reaching your 16th birthday;
- Have continuously resided in the United States since June 15, 2007, up to the present time;
- Were physically present in the United States on June 15, 2012, and at the time of making your request for consideration of deferred action with USCIS;
- Had no lawful status on June 15, 2012;
- Are currently in school, have graduated or obtained a certificate of completion from high school, have obtained a general education development (GED) certificate, or are an honorably discharged veteran of the Coast Guard or Armed Forces of the United States; and
- Have not been convicted of a felony, significant misdemeanor, or three or more other misdemeanors, and do not otherwise pose a threat to national security or public safety.
Anyone requesting DACA must have been under the age of 31 as of June 15, 2012. You must also be at least 15 years or older to request DACA, unless you are currently in removal proceedings or have a final removal or voluntary departure order, as summarized in the table below:
|I have never been in removal proceedings, or my proceedings have been terminated before making my request.||At least 15 years old at the time of submitting your request and under the age of 31 as of June 15, 2012.|
I am in removal proceedings, have a final removal order, or have a voluntary departure order, and I am not in immigration detention.
|Under the age of 31 as of June 15, 2012, but you may be younger than 15 years old at the time you submit your request.|
Timeframe for Meeting the Guidelines
You must demonstrate
|That on June 15, 2012 you||As of the date you file your request you|
Education and Military Service Guidelines
|Your school or military status at the time of requesting DACA||Meet education or military service guidelines for DACA|
I graduated from:
I am currently enrolled in school.
See the Education section of the FAQs for a full explanation of who is considered currently in school.
|I was in school but dropped out and did not graduate. I am not currently in school and am not an honorably discharged veteran of the Coast Guard or Armed Forces of the U.S.||No|
I am an honorably discharged veteran of the Coast Guard or Armed Forces of the U.S.
Please see our Frequently Asked Questions for more detail on school-related guidelines.
If you meet the guidelines for DACA, you will need to complete the following steps to make your request to USCIS.
|Collect documents as evidence you meet the guidelines.
You will need to submit supporting documents with your request for DACA. You can submit legible copies of these documents unless the instructions specify you must submit an original document.
Examples of Documents to Submit to Demonstrate you Meet the Guidelines
|Proof of identity||
|Proof you came to U.S. before your 16th birthday||
Proof of immigration status
|Proof of presence in U.S. on June 15, 2012||
Proof you continuously resided in U.S. since June 15, 2007
|Proof of your student status at the time of requesting DACA||
|Proof you are an honorably discharged veteran of the Coast Guard or Armed Forces of the U.S.||
See our Frequently Asked Questions for information on submitting affidavits or circumstantial evidence to support your request.
|Complete the required two forms and worksheet|
Use the most recent version of the form linked on our website or USCIS will reject your form.
Please review the Filing Fee section of the Forms I-821D
These fees cannot be waived.
|I-765, Application for Employment Authorization|
I-765WS, Worksheet (PDF, 238.54 KB)
Completing You Forms
Filing Your Forms
Mail your forms to the appropriate USCIS Lockbox.
UPDATE: Create a USCIS online account for DACA requests.
Beginning February 1, 2016, anyone who submits a DACA request will be able to create a USCIS online account to track and manage his or her case online. If you submit a DACA request, you will receive a USCIS Account Acceptance Notice in the mail with instructions on how to create a USCIS online account.
Having a USCIS online account allows you to:
If you are an attorney or accredited representative, creating a USCIS online account will allow you to manage all of your clients’ DACA requests in one place. USCIS will continue processing your DACA request even if you choose not to access your USCIS online account. You will continue to receive notifications and updates about your case by mail through the U.S. Postal Service.
Note for Attorneys and Accredited Representatives: You should have only one USCIS online representative account. When you receive an Account Acceptance Notice for a paper form filed at a USCIS Lockbox on behalf of your client, please ensure that you enter the same personal information that you provided on the Form G-28 submitted with your client’s original application, petition, or request. If the information you use to access your online representative account does not match the information you provided on the Form G-28, you may be unable to access your client’s case.
Visit an Application Support Center (ASC) for biometric services.
Check the status of your request online.
You can check the status of your case on Case Status Online or by logging into your USCIS online account.
There are very limited fee exemptions available. Your request for a fee exemption must be filed and favorably adjudicated before you file your DACA request without a fee. In order to be considered for a fee exemption, you must submit a letter and supporting documentation to USCIS demonstrating that you meet one of the following conditions:
- You are under 18 years of age, have an income that is less than 150 percent of the U.S. poverty level, and are in foster care or otherwise lacking any parental or other familial support; or,
- You are under 18 years of age and homeless; or,
- You cannot care for yourself because you suffer from a serious, chronic disability and your income is less than 150 percent of the U.S. poverty level; or,
- You have, at the time of the request, accumulated $10,000 or more in debt in the past 12 months as a result of unreimbursed medical expenses for yourself or an immediate family member, and your income is less than 150 percent of the U.S. poverty level.
Submit the following types of evidence:
- Affidavits from community-based or religious organizations to establish a requestor’s homelessness or lack of parental or other familial financial support.
- Copies of tax returns, bank statement, pay stubs, or other reliable evidence of income level.
- An affidavit from the applicant or a responsible third party attesting that the applicant does not file tax returns, has no bank accounts, and/or has no income to prove income level.
- Copies of medical records, insurance records, bank statements, or other reliable evidence of unreimbursed medical expenses of at least $10,000.
USCIS will send you a Request for Evidence (RFE) if it has questions on the evidence you submitted.
You can find additional information on our Fee Exemption Guidance Web page.
Note: There are no fee waivers available for employment authorization applications connected to DACA.
If USCIS Grants DACA in Your Case
If USCIS grants DACA and employment authorization in your case, you will receive a written notice of that decision. An Employment Authorization Document will arrive separately in the mail.
If USCIS Does Not Grant DACA in Your Case
If USCIS decides not to grant DACA in your case, you cannot appeal the decision or file a motion to reopen or reconsider. USCIS will not review its discretionary determinations.
We will apply our policy guidance governing the referral of cases to U.S. Immigration and Customs Enforcement (ICE) and the issuance of notices to appear. If your case does not involve a criminal offense, fraud, or a threat to national security or public safety, we will not refer your case to ICE for purposes of removal proceedings except where DHS determines there are exceptional circumstances. For more information on notices to appear, visit www.uscis.gov/NTA.
You may request a review using the Service Request Management Tool process if you met all of the DACA guidelines and you believe USCIS denied your request because of an administrative error.
- USCIS believes you abandoned your case by not responding to a request for evidence (RFE), and you believe you did respond within the prescribed time; or
- USCIS mailed the RFE to the wrong address, even though you had submitted a Form AR-11, Change of Address, or changed your address online at www.uscis.gov before we issued the RFE.
You can find a full list of possible errors in our Frequently Asked Questions.
To make a service request, you must call the USCIS Contact Center at 800-375-5283. For people who are deaf, hard of hearing, or have a speech disability: TTY 800-767-1833. A USCIS representative will then forward your request to the proper USCIS office. Your service request will be reviewed for accuracy and USCIS will send you a letter informing you of its decision.
The USCIS Contact Center is now open Monday – Friday from 8 a.m. – 8 p.m. in each U.S. time zone.
Certain travel outside the United States may affect the continuous residence guideline. Traveling outside the U.S. before Aug. 15, 2012, will not interrupt your continuous residence if the travel was brief, casual, and innocent. If you travel outside the United States after Aug. 15, 2012, and before we decide your request for DACA, you will not be considered for DACA.
The following chart explains whether your travel will affect your continuous residence.
|Travel Dates||Type of Travel||Does it Affect Continuous Residence|
|On or after June 15, 2007, but before Aug. 15, 2012||
|After Aug. 15, 2012, and before you have requested DACA||
Yes. You cannot apply for advance parole unless and until DHS has determined whether to defer action in your case and you cannot travel until you receive advance parole.
|After Aug. 15, 2012, and after you have requested DACA||
Yes. You cannot travel while your request is under review. You cannot apply for advance parole unless and until DHS has determined whether to defer action in your case.
In addition, if you have previously been ordered deported and removed and you depart the United States without taking additional steps to address your removal proceedings, your departure will likely result in your being considered deported or removed, with potentially serious future immigration consequences.
|On or after Aug. 15, 2012, and receiving DACA||
||It depends. If you travel after receiving advance parole, the travel will not interrupt your continuous residence. However, if you travel without receiving advance parole, the travel will interrupt your continuous residence.|
Once USCIS has approved your request for DACA, you may file Form I-131, Application for Travel Document, to request advance parole to travel outside of the United States. If you travel outside the United States without first receiving advance parole, USCIS will automatically terminate your DACA.
USCIS is currently updating its policy on granting advanced parole for DACA recipients. Please check the Frequently Asked Questions for the latest guidance.
For detailed information see the Travel section of the Frequently Asked Questions.
You will not be considered for DACA if you have been convicted of:
- A felony offense;
- A significant misdemeanor offense; or
- Three or more other misdemeanor offenses not occurring on the same date and not arising out of the same act, omission, or scheme of misconduct.
- You are otherwise deemed to pose a threat to national security or public safety.
What is the difference between “significant misdemeanor”, “non-significant misdemeanor”, and “felony”?
|Felony||Significant Misdemeanor||Non-significant Misdemeanor|
|A felony is a federal, state or local criminal offense punishable by imprisonment for a term exceeding one year.||
A significant misdemeanor is a misdemeanor as defined by federal law (specifically, one for which the maximum term of imprisonment authorized is one year or less but greater than five days) and:
A crime is considered a non-significant misdemeanor (maximum term of imprisonment is one year or less but greater than five days) if it:
A minor traffic offense will not be considered a misdemeanor for purposes of DACA, However, driving under the influence is a significant misdemeanor regardless of the sentence. You can find detailed information in the National Security and Public Safety section of the Frequent Asked Questions.
Dishonest practitioners may promise to provide you with faster services if you pay them a fee. These people are trying to scam you and take your money. Visit our Avoid Scams page to learn how you can protect yourself from immigration scams.
Make sure you seek information about DACA from official government sources such as USCIS or the Department of Homeland Security. If you are seeking legal advice, visit our Find Legal Services page to learn how to choose a licensed attorney or accredited representative.
Remember you can download all USCIS forms for free at www.uscis.gov/forms.
USCIS is committed to safeguarding the integrity of the immigration process. If you knowingly and willfully provide materially false information on Form I-821D, you will be committing a federal felony punishable by a fine, or imprisonment up to five years, or both, under 18 U.S.C. Section 1001. In addition, individuals may be placed into removal proceedings, face severe penalties provided by law, and be subject to criminal prosecution.
Sept. 13, 2016 Update: We are aware that some DACA requestors may have experienced delays receiving their Application Support Center biometrics appointment notices. We recently mailed biometrics appointment notices to those whose notices were delayed. Most of these appointments will be scheduled during the week of October 24, 2016, and we encourage you to appear at your appointment as scheduled. If you need to reschedule an appointment, please follow the instructions on your appointment notice. We will only reschedule a biometrics appointment if you have a compelling reason For more information, please refer to our guidance on rescheduling appointments due to reasons such as illness. For further information about your DACA request, you may call the USCIS Contact Center or send us an email from your online account inbox.
September 12, 2016 Update: Due to a federal court order, USCIS will not begin accepting requests for the expansion of DACA on February 18 as originally planned. The court's temporary injunction, issued February 16, does not affect the existing DACA. Individuals may continue to come forward and request an initial grant of DACA or renewal of DACA under the guidelines established in 2012 and discussed below.
August 10, 2016 Update: If you submitted a request for DACA renewal between February 14 and May 14, 2016, your renewal request may have taken longer than expected. You should receive a decision on your case within the next few weeks. USCIS is dedicated to restoring normal processing times as quickly as possible.
June 27, 2016, Update: The Supreme Court’s 4-4 decision on June 23, 2016, in United States v. Texas does not affect existing policy regarding 2012 Deferred Action for Childhood Arrivals (DACA). Individuals who meet the 2012 DACA guidelines may continue to come forward and file an initial or renewal request for DACA under the 2012 guidelines.
The Supreme Court decision does, however, mean that the injunction prohibiting implementation of Deferred Action for Parents of Americans and Lawful Permanent Residents (DAPA) and expanded DACA remains in effect
August 3, 2015, Update: Quick Facts for DACA Recipients Who Received 3-Year Work Authorization Post-Injunction
February, 15, 2015, Update: Due to a federal court order, USCIS will not begin accepting requests for the expansion of DACA on February 18 as originally planned. The court's temporary injunction, issued February 16, does not affect the existing DACA. Individuals may continue to come forward and request an initial grant of DACA or renewal of DACA under the guidelines established in 2012 and discussed below. Please check back for updates.